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OH declined credit card - help!
As my username suggests between hubby and I we have a considerable amount of debt between us, however most if it is in my name for various reasons. We applied (and got) a natwest and a mint card for the 0% deals, in OH's name, being offered at the time which are now coming to an end so we applied for a few credit cards…
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Question: After closing CC's were you later refused new ones?
There are a couple of threads with an on going discussion on the pros and cons of closing credit card accounts. My question: When closing credit cards you held were you ever refused new card(s) after a good waiting period to take advantage of new better deals? Yes or No? Thanks
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Credit Card Statments
Ok so Ive foned my bank and for £5 they are sending me 5 years worth of statements to check to see if I can claim back these illegal charges. I then foned my credit card company, bank of scotland classic visa, and they are claiming it will cost £125 for me to get 5 years worth of statements. The advisor said that I had…
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Credit report - questions??
I have just got my credit report from Experian for the first time and it was a bit dull really. It just showed my credit cards (some of them) and my mortgage and showed that I had always paid up on time, but that was it. Am I missing something? Curiously, it did not show my bank account at all, nor the 2 credit cards I…
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Alliance Liecester Credit Card Bill Confusion
Has any one else been caught out with the way A & L Credit Card Bills are laid out? Firstly the writing is very small On page 1 they now highlight the new balance at the end of the page in bold making you think this is the final balance, which is also underlined. Under this they tell you to continue to next page, but the…
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RBS or Natwest?
Need to make a balance transfer in a couple of months from my PO card and RBS and Natwest seem to be the best for balance transfers at 9 months with capped fee - As they are both run by the same people, do you think it matters which I go for? Anyone had experience with either?
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Partial Payment on Credit card for new car.
Hi All I have read the information in this site regarding the CCA section 75. My question is that i am looking to buy a new car from a uk company. this is one of those that sells vehicles at a cut price to the normal dealers. I can pay £500 by credit card for the deposit and the company require payment 2-3 days before…
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Credit balances - getting the money back
Thanks to the Consumer Action Group I've successfully claimed back over £3000 in bank charges from banks and credit cards. :) However, I'm now left with half a dozen credit cards that have credit balances of several hundred pounds each. While this is great, I'd be happier if I could get all this money back as "real" money,…
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noobie question re BTs
Hi, I should know the answer to this as my debt has been spirallin for years! anyhoo..... Yesterday I checked my credit score (890:D) & decided to apply for GE Money CC as it seemed the best deal. I asked for 2 balances to be transferred and was summarily turned down.:mad: My question is... should I have applied for the…
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AMEX...easy approval?
Hi, I have a Capital One card with £650 limit....now I want a card with more limit atleast £4k so one of my friends told me AMEX card has the highest approval rate....and also the decision is given quickly. Is that so? cause I always thought AMEX cards were a bit high end? Thanks, Boris
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Security warning about the Post Office credit card
Hi fellow moneysavers. Was shocked to experience the lack of security when i received my Post office credit card with the PIN on the same day & the card was active. Experienced the same today when i received my internet banking ID with the PIN together. Talk about making it easy for the fraudsters. Was generally…
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HSBC 0% Balance Transfer
Hi, Applied for a HSBC 0% Credit Card about 3 weeks ago and was accepted. They offered me a credit limit of between £500 & £5000. As the card was 0% for 12 months on BT's, I asked for the maximum limit of £5K so I could BT this from my other credit card. The card arrived in the post today but it only has a credit limit of…
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NEXT Directory
HELP HELP PLEASE. I've had my Next statement today and there is a notice on there. We will be making a change to your credit agreement from 19 Oct. If you do not wish to pay your full balance in any month by the date stated we will charge you interest on your purchases from 10days after your goods were sent to you. The…
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Closing CC accounts
The last 2 months I have been in the process of doing some financial house cleaning. So have been writing to the CC's that we do not use, have a high % and those we have paid off. I would like to share my experiences and also maybe someone can comment on a couple of questions through their experiences they have made when…
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advice needed on cancelling cards
Ive just managed to pay off 2 of my credit cards,could anyone tell me the beat way of cancelling them? I want to cancel my egg card and barclaycard,would you suggest writing to them or making a telephone call.Any advice would be appreciated.:confused:
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Egg automated transaction check call
Got a phone call this morning from a withheld number, the voice sounded automated and I did think to hang up but having heard it was Egg and they had my name and number I thought it was worth listening too. Well it was asking me to confirm some recent transactions and while I was expecting a payment to be taken for around…
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BT limit question
A letter dated 26th August arrived on 8th September with my new GE 0% credit card. I called about the balance transfer and the limit they gave me is only a third of what I need for the transfer. When I applied on the internet I gave the balance transfer amounts. I called customer service today to ask about the transfers…
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Newbie question
Hi all, I was just wondering if it was possible to get a credit card on a 0% deal, empty it completely and put the money into a high interest savings account, then when the 0% deal ends, put all the money back on the credit card to pay it off. Would the lump sum withdrawal be seen as a purchase? Basically, I'm a little…
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default payment credit charges
Hi, My suituation is this....I have just recieved a county court judgement from a well known catolog company. They are taking me to court because they argue i owe them £35. Which of course has now increased and incurred court costs solicitors fees and of course yet another £20 for defaulting on payments. I have decided to…
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Do I need to cancel unused cards?
Help please! Is it in my best interests to cancel unused cards? I have cut up old 0% deal card, like Sainsburys and Barclaycard, and have had no correspondence in such a long time that I no longer know my account numbers etc. I have read on here that your score can be affected by the amount of unused credit at your…
